LifeTime Health Plan
  • Know About the Plan & its Variants
  • Explore the Features & Eligibility
  • Inclusions and Exclusions

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Manipal Cigna LifeTime Health

Manipal Cigna LifeTime Health Insurance is a health plan that prioritizes your healthcare needs and looks after them. The plan offers comprehensive coverage up to Rs. 3 crores each, for coverages in India and abroad. To let you avail yourself the most from your health insurance plan, the plan offers 2 variants, and let them choose from LifeTime Health India Plan & LifeTime Global Plan.

The plan covers you at every stage of life for a lifetime. With a wide range of benefits and coverage, the plan is an ideal choice to cover yourself and your family members.

Read along to explore more about this plan:

Eligibility Criteria of Manipal Cigna LifeTime Health

Minimum Entry Age Child - 91 days, Adult - 18 years
Maximum Entry Age Child - 25 years (in a family floater policy), Adult - 65 years
Sum Insured Rs. 50 Lakhs to Rs. 3 Crore
Policy Tenure 1, 2 & 3 years
Relationships Covered Individual Plan: An Individual plan can be bought for self, lawfully wedded spouse, children, parents, siblings, the parent in-laws, grandparents and grandchildren, son-in-law and daughter-in-law, uncle, aunt, nephew, and niece
Floater Plan: A floater plan can cover self, lawfully wedded spouse, children up to the age of 25 years, parents, and parent in-laws. A floater cover can cover a maximum of 2 adults and 3 children under a single policy. Combinations allowed under 2 Adults are Self & Spouse or Father & Mother or Father-in-law & Mother-in-law.

**Last Updated on 06-05-2021

What Are The Key Features of Manipal Cigna LifeTime Health?

  1. Hospitalization Expenses

    The plan looks after the hospitalization expenses of the insured in case of hospitalization more than 24 consecutive hours arising from a disease/ illness or injury.

  2. AYUSH

    The plan covers the expenses incurred during the in-patient hospitalization for AYUSH, for an illness or injury that occurs during the policy year.

  3. Adult Health Checkup

    One may avail a comprehensive health check-up at any of the company's network hospitals if the Insured Person is of age 18 years or above at the start of the policy year.

  4. Robotic and CyberKnife Surgery

    The plan covers the expenses incurred towards Robotic or Cyberknife Surgery of the insured person subject to the illness/ injury being covered under 'Hospitalisation Expenses'.

  5. Modern Advancement Treatments

    The listed modern and Advanced Treatments are covered by the plan, subject to illness/ injury being covered under Hospitalisation Expenses.

  6. Restoration of Sum insured

    In case your coverage is exhausted due to the claims made, then in such cases, the plan will provide for a 100% restoration of the sum insured for any number of times in a policy year for an unrelated illness or injury.

  7. Premium Waiver Benefit

    If the insured suffers from Permanent Partial Disablement, Permanent Total Disablement, death due to an injury caused by an accident, or he/she is diagnosed with a listed Critical Illness mentioned in the policy, then the plan will pay the next Renewal Premium of the Policy for next 1 year.

    Once the claim is accepted and paid, the cover will terminate automatically.

  8. Coverage Outside India

    The plan offers coverage across the globe in case the insured suffers from any illness or injury. The plan offers:

    • Global Hospitalization for Major Illness
    • Global Pre - hospitalization
    • Global Post - hospitalization
    • Global Ambulance Cover
    • Medical Repatriation
    • Repatriation of Mortal Remains
    • Global Travel Vaccination
    • Global Robotic and CyberKnife Surgery
    • Global Modern and Advanced Treatments
  9. Optional Packages

    The plan comes with three optional covers that are:

    • Health+
    • Women+
    • Global+

    Refer to the below table to understand what is covered under these optional covers:

    Health+ Women+ Global+
    Air Ambulance Cover
    Medical Devices and Non - Medical Items
    Domestic Second Opinion
    Bariatric Surgery Cover
    Convalescence Benefit
    Major Illness Hospi Cash
    Chemotherapy and Radiotherapy Cash
    Accidental Hospi Cash
    Domestic Concierge Services
    Tele - Consultations
    Breast Cancer Screening
    Cervical Cancer Screening
    Cervical Cancer Vaccination
    Ovarian Cancer Screening
    Osteoporosis Screening
    Gynecological Consultation
    Psychiatric and Psychological Consultations
    Global Hospi Cash
    Global Convalescence Benefit
    Global Out Patient Expenses
    Global Chemotherapy and Radiotherapy Cash
    Travel Expenses Benefit
    Global Second Opinion

    **Last Updated on 06-05-2021

  10. Add-On Cover for Critical Illness

    One can avail an add-on cover that will cover the expenses if the insured is diagnosed with 11 listed Critical Illnesses Available on payment of additional premium.

Sample Premium Illustration of Manipal Cigna LifeTime Health:

To understand how the premium payable under both the variants is different, refer to the below graph, which shows how the premium for the Indian Plan and Global Plan is different under different sum insured options:

Premium Payable Under ManipalCigna LifeTime Health Indian Plan vs Global Plan

Premium Payable Under ManipalCigna LifeTime Health Indian Plan vs Global Plan

Also, as discussed above, the plan offers three optional covers that let the policyholder choose as per their needs and requirements. Let us find how the optional covers affect the premium amount for the sum insured of Rs. 50 Lakhs:

Sample Illustration of the Premium Payable With Different Optional Covers

Sample Illustration of the Premium Payable With Different Optional Covers

Coverage Table of Manipal Cigna LifeTime Health

Parameters Indian Plan Global Plan
Hospitalization Expenses Available Available
Day Care Treatment Available Available
Pre - hospitalization Covered, up to 60 days
Post - hospitalization Covered, up to 180 days
Road Ambulance Cover Available Available
Donor Expenses Available Available
Domiciliary Expenses Available Available
Robotic and CyberKnife Surgery Available Available
Modern and Advanced Treatments Available Available
HIV/AIDS and STD Cover Available Available
Mental Care Cover Available Available
Global Hospitalization for Major Illness Not Available Available
Global Pre - hospitalization Not Available Available
Global Post - hospitalization Not Available Available
Global Ambulance Cover Not Available Available
Medical Repatriation Not Available Available
Repatriation of Mortal Remains Not Available Available
Global Travel Vaccination Not Available Available
Global Robotic and CyberKnife Surgery Not Available Available
Global Modern and Advanced Treatments Not Available Available
Optional Covers
Health+ Available Available
Women+ Available Available
Global+ Not Available Available
Add-On Cover
Critical Illness Cover Available Available
Waiting Period
First 30 days waiting period is applicable for all illnesses other than accidents.
24 months waiting period is applicable to specific ailments.
Pre-existing diseases will not be covered for 24 months
A 90 day waiting period and 30 day survival period is applicable to Critical Illness Add-on cover (if opted

**Last Updated on 06-05-2021

What Is Not Covered Under Manipal Cigna LifeTime Health

  • Investigation & Evaluation
  • Rest Cure, rehabilitation, and respite care
  • Obesity/ Weight Control
  • Change-of-Gender treatments
  • Cosmetic or Plastic Surgery
  • Hazardous or Adventure sports

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Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.3/5 (17 Total Rating)

May 7, 2021

Vivaan Kumar Sanghwi


Just got my ManipalCigna Health Insurance renewed today. I feel this is the best gift I can give to me and my family members. The company looks after all my healthcare needs. Thank you ManipalCigna for looking after my health so well.

May 7, 2021

Vidya Bansal


Just one word for the company "AMAZING" ManipalCigna very well understands the needs of its customers and offers a wide variety of plans looking at the healthcare needs of every segment.

May 7, 2021

rahul yadav


i bought prohealth plan from cigna. the best feature was international coverage offered by the company. pricing is also not too bad.

May 8, 2018



I got the Cigna TTK Pro Health Plan the coverage is around 15 lakh Rupees for my family.They are having good tie ups with the hospitals.

May 7, 2021

Sunil Saraf


Got my claims settled today. Without any hassles, without several formalities, just got my claims settled in a jiffy. Thankyou ManipalCigna for understanding your customers need. Would definitely recommend the company to all my kins.

Last updated on 06-05-2021

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